New Year’s Resolutions

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With the New Year approaching, many of us start thinking of the resolutions we set for ourselves. To some, it may be the starting of something like joining a gym to get in shape. To others, it might be the stopping of something, like quitting smoking. For some reason, we see the start of the new year as a fresh start from scratch.   But most of us get bored and discouraged as I know, when the novelty wears off, it disappears almost in an instance. Suddenly the target of maintaining our day to day are faced in the form of a challenge. Of course, this problem isn’t restricted to being lazy or lackadaisical, maybe we had to stay late at work, maybe we had to stay home and care for a loved one that might be feeling ill. Eventually something gets in the way of our goals and we begin to feel defeated, and ultimately abandon the goal or goals we originally set forth for ourselves.   In this post, I will start at the beginning of the crash instead of the resolutions. Most articles about New Year’s resolutions, speak on targets, and I’ll go ahead and say that…

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Christmas on a Budget.

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  *Time If there is one thing I have learned more than anything else, it is that children would rather have time with their parents than almost anything else. The gift of time spent with a child will reap rewards that will pay you back for the rest of your life! Money spent on fancy toys is fun and exciting, but eventually the excitement fades away and is replaced with new desires for something else. Memories last forever. *Don’t be too prideful to accept whatever comes your way. I remember one year; we didn’t even have enough money to buy a tree. My mom felt bad about it, but was driving through a parking lot one day and saw a perfectly good tree that had been thrown into a dumpster behind a store. She brought it home and that was our tree that year, and it was beautiful. Miracles happen to those who have faith and aren’t afraid to look. *Gifts for Children. Ever notice that by the time Christmas rolls around again, all the toys you bought for your children last year are either lost or no longer played with? Time to give them away or sell them. You…

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Education & Emergencies.

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Auto title loans, also known as car title loans, is a type of loan in which a borrower authorizes the lender to use their motor vehicle as a form of collateral or security. The lender is allowed to put a temporary lien on the title of the car, in which the borrower has put up in order to receive their monetary need. A payday loan, however, is an unsecured short-term loan and is usually related to the salary of the borrower. The customer or the borrower must have the payroll or current employment records to qualify for the loan.   An additional benefit It usually takes a week to treat an auto title loan. The borrower must put his / her car title as collateral contingent on the basis that they intend to pay off the loan in a short period of time. If the borrower decides to stop satisfying their loan, the lender then reserves the right to take the vehicle. The good part of a car loan is that you can get the money in your hands quickly. The process is simple as it involves only the resale value of your vehicle and the amount you want to…

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Title Loans with Fast Cash

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Quick Revenue Of course, the point of our Motor Vehicle Title Loan is simple. At Fast Cash Title Loans, we strive to get our customers the cash they need quick. Processing these types of loans requires as long as two days from other businesses. At Fast Cash, you are able to literally walk into our office location and stroll out with the cash you need in as few as 30 minutes. Since it eliminates the time consuming and tedious paperwork involved in taking out a loan at a regular bank. In minutes your loan will be processed and you will quickly be on your method to take care of your emergency scenario.   Your credit score doesn’t matter Another very appealing advantage of vehicle title loans would be the truth that no background checks into your previous credit scores is necessary. These products would generally matter significantly should you intended to get a loan at a bank, but such just isn’t the case at Fast Cash Title Loans. You might fail to obtain a loan at your bank for these causes, but with car or truck title loans, by no means will this be the case.   We let you…

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A History of Title Loans

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A motor vehicle title loan is a really quick solution to get quick cash, particularly in the event you are in a bind and there is no other solution to get the cash you need, fast. These loans became popularized in the 1990’s inside the United States, and have swiftly grown to turn out to be extremely well-liked alternatives for anyone who wants added money without loads of the complicated bureaucracies that generally accompany traditional loans at old, regular lending institutions. Car title loans are simply fast sources of cash that you can get with your vehicle placed as the collateral. These title loans can be completed in a quite short time from our organization with no credit necessary. You can find numerous causes why men and women opt for Fast Cash Title Loans. When the list of reasons is actually endless, some of the additional frequent reasons or situations that may perhaps push you to get a title loan include: Emergency health-related costs. A person you deeply care about could need to have an emergency health-related process, and it cannot be overstated how pricey medical procedures can be. Raising revenue so rapidly may prove to be an extremely hard…

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Borrower Rights and Responsibilities in Virginia

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Borrower Rights and Responsibilities in Virginia Please take the time to carefully review the information contained in this pamphlet. It is designed to advise you of your rights and responsibilities in connection with obtaining a motor vehicle title loan in Virginia under Chapter 22 (§ 6.2-2200 et seq.) of Title 6.2 of the Code of Virginia. If you have any questions about motor vehicle title lending or want additional information, you may contact the Virginia State Corporation Commission’s Bureau of Financial Institutions toll- free at (800) 552-7945 or on the Internet at http://www.scc.virginia.gov/bfi. In General: You are responsible for evaluating whether a motor vehicle title loan is right for you. Alternatives may include among other things less expensive short-term financing from another financial institution, family, or friends, a cash advance on a credit card, or an account with overdraft protection. Notice from Lender: A motor vehicle title lender is required to provide you with a clear and conspicuous printed notice advising you that a motor vehicle title loan is not intended to meet your long-term financial needs; that the interest rate on a motor vehicle title loan is high; and that if you fail l to repay your loan in…

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DO’S & DON’TS OF SAVING MONEY

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Do: Plan ahead when grocery shopping. Cut coupons, make a list, and price match. How much money can you save in one trip to the store? Don’t: Impulse buy or use coupons just because you have them. Going into the grocery store without a plan is dangerous! Make sure that you are monitoring what you are buying and aren’t frivolously spending money on things you don’t need. Do: Buy in larger quantities. Most stores offer discounts for buying in bulk. Refrigerate or freeze leftover food to last longer. Don’t: Waste leftovers. Bring these items for lunch, or save for the next night. You’ll save money and get to enjoy a delicious meal one more time. Do: Eat at home! Not only can you save money by cooking at home – your health will thank you later. Don’t: Buy fast food. These items may seem more convenient – but can end up being more expensive in the long run. Save money and your waist line by avoiding fast food when you can. Do: Utilize cell phone savings. Monitor cell phone usage and downgrade to a lower plan if you can. How much can you save on your cell phone bill by…

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HOW TO GROCERY SHOP ON A BUDGET

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Grocery stores and food brands understand how the average person likes to shop. Besides manufacturer placement and easy prepackaged foods, grocery aisles are full of psychological traps and seemingly good deals.  Although this can make for a pleasant customer experience, the effects on a shopper’s wallet can be less than frugal. If your goal is to spend less on groceries, consider the following traps and tips on your next trip: 1 – Prepare with a meal plan Let’s get the obvious one out of the way. Before you go shopping, check out your grocery store’s deals and coupons for the week. Plan your meals around these items and buy in bulk if it fits your budget. Also, keep in mind what you already have when making a list. This will help you stay organized and purchase only what you need for the week. 2 – Avoid eye-level buys When in a grocery aisle, where do your eyes generally gravitate? If you said straight ahead, you’re like most shoppers. Manufactures realize this and pay for shelving placement. This shelving real estate causes the price to increase and as a result shoppers are spending more. Next time, make a conscience effort to…

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